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Transparent Family Budget Update– March 2018

April 4, 2018 by Stephanie 15 Comments

I know it’s been quiet around here for the past couple of weeks.  Between sickness going through our family and taking a family road trip for Spring Break (which unfortunately overlapped with the sickness), I’ve been away from my computer. Sickness or not, you know I’ll get back on track to share our monthly budget […]

Filed Under: Budgeting, FINANCES & BUDGETING, Personal Finance Made PUBLIC

How Jen Paid Off $77,000 of Student Loan Debt

March 15, 2018 by Stephanie 4 Comments

When we were working our way out of six figures of student loan debt I loved hearing stories of people who had made it to the other side of the daunting debt hurdle.  I still love hearing debt payoff stories!  Today Jen from Frugal Millennial is sharing her story! When I finished grad school, I found myself […]

Filed Under: FRUGAL LIVING

{Healthy} $330 Monthly Grocery Shopping Trip– March 2018– Price List + Video

March 7, 2018 by Stephanie 26 Comments

When we were working hard to pay off debt, we were pretty good at sticking to one big monthly grocery shopping trip.  Now that we live much closer to actual stores, we end up going more often, which can be dangerous.  Our monthly shopping trip started to be not-so all-inclusive since we could easily get […]

Filed Under: FRUGAL FOOD, FRUGAL LIVING, Grocery Shoppping

Transparent Family Budget Update– February 2018

March 2, 2018 by Stephanie 25 Comments

I love getting to sit down and chat with you at the end of each month!  It’s a great chance for us to review our finances a little more thoroughly than we probably otherwise would. If this coversation feels a little one-sided, feel free to chime in down in the comments and share how you’re […]

Filed Under: Budgeting, FINANCES & BUDGETING, Personal Finance Made PUBLIC

Monthly Grocery Shopping Trip Notes and Video– February

February 16, 2018 by Stephanie 13 Comments

As I’ve surveyed friends and readers about their grocery budgets (those who actually have them), I’ve found that the numbers are all over the board.  Family size doesn’t seem to be the determining factor in how much a family spends. Do you ever wonder what people actually spend their grocery budget on? I’ve been making […]

Filed Under: FRUGAL FOOD, FRUGAL LIVING, Grocery Shoppping

How to Use a Credit Card Like a Debit Card– Keep Benefits, Lose Debt

February 14, 2018 by Stephanie 3 Comments

One of the things I love, love, love about the way we manage our budget is how we handle credit cards.  Though we’ve always paid our credit cards off in full each month, I used to stress over the timing of credit card payments.  I’m going to show you how you can stop stressing over […]

Filed Under: FINANCES & BUDGETING

Transparent Family Budget Update– January 2018

February 5, 2018 by Stephanie 20 Comments

Time for our first budget update of 2018! I debated whether I should keep sharing our real personal finance numbers with the world or not.  I started being transparent with our income and expenses in the fall of 2013 when we decided to buckle down and tackle six figures of student loan debt.  The accountability […]

Filed Under: Budgeting, FINANCES & BUDGETING, Personal Finance Made PUBLIC

Mid-Month Grocery Shopping– January

January 31, 2018 by Stephanie 6 Comments

In January we spent $350 on groceries for six people.  The first $200 was spent at the beginning of the month in our monthly shopping trip to Sam’s Club and Winco.  The other $150 was spent in a few mid-month trips, including a trip to a local orchard!  As promised, I’m going to show you […]

Filed Under: FRUGAL FOOD, FRUGAL LIVING, Grocery Shoppping

Why I don’t freeze soup (and what I do instead)

January 24, 2018 by Stephanie 41 Comments

Our winters here in Northern California are milder than anywhere I have ever lived.  We don’t get snow at our house, but we do enjoy a rainy season.  I love having four seasons, even if they aren’t as extreme as in many places. One of the best parts of cool weather is soup. Seriously!  Soup warms […]

Filed Under: cooking from SCRATCH, FRUGAL FOOD, FRUGAL LIVING

Keep your Financial Goals on your Radar

January 17, 2018 by Stephanie 3 Comments

How many times do we make a goal and then forget about it? Or maybe we don’t forget about our goal, but the craziness of life takes over and crowds out the important habits we were developing to aid us in achieving our goal. A couple of years ago my kids had a “penny wars” […]

Filed Under: DEBT, FINANCES & BUDGETING, MOTIVATION, Staying ON TRACK

Our Monthly Grocery Shopping Trip Notes (+ Video)

January 12, 2018 by Stephanie 14 Comments

Ever since I started sharing our family’s real budget with you, I’ve gotten questions about what we actually eat on our low grocery budget. While we were getting out of debt our grocery budget for our (then) family of five was less than $300 per month.  Now that we are debt-free we’ve increased our grocery […]

Filed Under: FRUGAL FOOD, FRUGAL LIVING, Grocery Shoppping

You Need a Budget– Book Review

January 10, 2018 by Stephanie 10 Comments

If you’ve been around Six Figures Under for any length of time, you know that we budget with YNAB.  We have for years!  Learning the You Need a Budget methodology revolutionized the way we think of and handle our money. I know that sounds dramatic, but it’s true. As someone who has used, loved, and […]

Filed Under: Budgeting, FINANCES & BUDGETING

Family Budget Update– December 2017

January 3, 2018 by Stephanie 18 Comments

Happy 2018, friends!  I’m excited for the new year!  I’ve been a little absent here lately because of 2017’s adventures (new house… no internet, new baby… no sleep etc), but I have lots of plans for Six Figures Under in 2018! As I mention below under the grocery category, in the new year I’m planning […]

Filed Under: Budgeting, FINANCES & BUDGETING, Personal Finance Made PUBLIC

The Cash Back Hack I Learned Too Late

December 15, 2017 by Stephanie 6 Comments

  This is a sponsored post written by me on behalf of RetailMeNot. All opinions are 100% mine. Don’t you hate it when you learn an awesome trick to save money right after you spent a bunch of money where you could have used that very trick? Well that just happened to us! As I explained […]

Filed Under: FRUGAL LIVING, SPENDING wisely

Family Budget Update– November 2017

December 5, 2017 by Stephanie 22 Comments

After last month’s good income you might expect that we made some headway on our big goals like bulking up our emergency fund. But we didn’t. We managed to squeak out the $300 that we needed to get our emergency fund over the $10,000 mark that we fell short of last month. We had some […]

Filed Under: Budgeting, FINANCES & BUDGETING, Personal Finance Made PUBLIC

How We Bought a House on Nickels and Dimes

November 14, 2017 by Stephanie 9 Comments

I have another honorable mention from the My Secret to Saving Contest!  Please welcome guest author, Hope.  She is sharing some great advice and encouragement with us today! Nine years ago, while raising four sons on $40,000 a year, my husband and I paid cash for a new house!  We like to tell folks that […]

Filed Under: Budgeting, FRUGAL LIVING, MOTIVATION

Why we don’t do budget meetings (and maybe you shouldn’t either)

November 6, 2017 by Stephanie 8 Comments

Because we had so many excellent entries in the My Secret to Saving Contest, I chose a couple of great posts as honorable mentions.  I’m sharing the first one today!  I think many of you will relate to and be inspired by to Kelly’s experience! If you met my little family of four (soon to […]

Filed Under: DEBT, MOTIVATION, Staying ON TRACK

Family Budget Update– October 2017

November 1, 2017 by Stephanie 18 Comments

Sometimes I get a little nervous about making our personal finances public.  A lot has changed since we started sharing our family budget with the world, and in some ways I think we’re less relatable now than we were then.  For example, our income this month is more than triple what we made four years […]

Filed Under: Budgeting, FINANCES & BUDGETING, Personal Finance Made PUBLIC

How to NOT Buy Anything NEW– My Secret to Saving

October 23, 2017 by Stephanie 20 Comments

I’m excited to share with you the winning post from the My Secret to Saving contest, written by Becca. The best way to save money is to not spend it in the first place. But how do you do that, when there are always so many things you want and need? For me, I learned […]

Filed Under: FRUGAL LIVING

How to Save Money by Building Your Own Furniture– My Secret to Saving

October 16, 2017 by Stephanie 11 Comments

Today we have the second place winner of the My Secret to Saving contest. Jennifer Duenes of Ditching Our Debt is sharing her creative way to save money which definitely has me inspired! Several years ago, the idea of building my own furniture had never crossed my mind. On a tight budget for most of […]

Filed Under: at HOME, FRUGAL LIVING

The Bedding Strategy that Saves Me Thousands on My Heating Bill

October 9, 2017 by Stephanie 14 Comments

I’m welcoming Libby to the blog today to share her secret to saving!  Her post earned third place in the My Secret to Saving contest that I recently hosted! Living in New England, where it is not uncommon to have nights at -11 degrees Fahrenheit in January and February and where snow comes as early […]

Filed Under: at HOME, FRUGAL LIVING

Family Budget Update– September 2017

October 3, 2017 by Stephanie 22 Comments

It’s months like this that I’m really glad we budget the way that we do.  As you’ll see below, we made some big purchases (we finally got a new bed!) and if we didn’t budget, we would probably unknowingly (or knowingly) overspend.  Keeping track of everything makes it easy to know when we’re going to […]

Filed Under: Budgeting, FINANCES & BUDGETING, Personal Finance Made PUBLIC

Get Paid to Teach English from Home with VIPKID

September 25, 2017 by Stephanie 8 Comments

This post contains affiliate links along with my honest, genuine thoughts and experience. I recently found the perfect work-from-home opportunity for someone like me.  I only wish I had found it a decade ago. If you’re a stay-at-home parent, a graduate student, or someone looking to make some extra money on the side, then I’ve […]

Filed Under: EARNING EXTRA, OTHER Ways to Earn Extra

Family Budget Update– August 2017

September 1, 2017 by Stephanie 19 Comments

  Sharing our family’s budget with you is one of my favorite posts to write each month.  Keeping ourselves accountable was a key factor in our successfully paying off our massive student loan debt, so we kept going with it. I love hearing about your successes in the comments.  So many of you are making amazing […]

Filed Under: Budgeting, FINANCES & BUDGETING, Personal Finance Made PUBLIC

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